Wander Frequent Traveler Insurance, Seven Corners administered Wander Frequent Traveler Insurance for traveling outside the home country

Plan Summary

Wander Frequent Traveler Insurance offers annual medical insurance protecting you when traveling outside of your home country. It provides coverage for individuals and families (including unmarried dependent child(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country.

Policy Maximum	Maximum medical coverage is $60,000; $125,000; $600,000; $1,000,000 (ages 80+, maximum limited to $20,000)
Deductible	$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period Deductibles per family. The selected Deductible and Coinsurance amount must be met for each 12-month Policy Period.
Co-insurance	Inside the united states and canada: After you pay the deductible, the program pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum. outside the united states and canada: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
Eligibility	WanderSM Frequent Traveler provides coverage, for individuals and families (including unmarried dependent child(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country.
Coverage	- Hospital indemnity - Dental (emergency) - Coma benefit	- Return of mortal remains - Political evacuation and repatriation - Felonious assault benefit
Benefit Period:	180 days
Underwriter	Wander Frequent Traveler, underwritten by the Insurance Company of the State of Pennsylvania, a member of Chartis Insurance.
Buy - Online	Apply & purchase online Wander Frequent Traveler Insurance
Brochure	Complete, mail/fax the Wander Frequent Traveler Insurance Brochure along with payment

Wander Frequent Traveler Insurance - Details

Wander Frequent Traveler Insurance - Eligibilty

Wander Frequent Traveler provides coverage, for individuals and families (including unmarried dependent child(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country.
Home Country is defined as - The country where a covered person(s) has his/her true, fixed and permanent home and principal establishment.

Wander Frequent Traveler Insurance - Schedule of Coverage

All coverages and plan costs listed in this brochure are in U.S. dollar amounts

Medical Maximum:	$60,000; $125,000; $600,000; $1,000,000 (ages 80+, maximum limited to $20,000)
Deductible:	$0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period Deductibles per family. The selected Deductible and Coinsurance amount must be met for each 12-month Policy Period
Coinsurance:	inside the united states and canada: After you pay the deductible, the program pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum. outside the united states and canada: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
Hospital Indemnity:	$150 / night, up to a maximum of thirty (30) days (traveling outside the U.S. and Canada). In addition to any other Covered Expense.
Dental (Emergency):	$100 ($500 for accidents)
Emergency Medical Evacuation / Repatriation:	$300,000 (in addition to the Medical Maximum)
Political Evacuation / Repatriation:	$50,000
Return of Mortal Remains:	$50,000
Emergency Reunion:	$50,000
Return of Minor Child(ren):	$50,000
Interruption of Trip:	$5,000
Loss of Checked Luggage:	$250
Local Ambulance Expense:	$5,000
Accidental Death & Dismemberment:	$50,000 Principal Sum per Adult, $5,000 for Dependent Child(ren) and/or Grandchild(ren).
Common carrier accidental death:	$100,000 per adult, $25,000 per child(ren) and/or grandchild(ren) under age of 18; $250,000 Maximum per family
Coma benefit:	$50,000
Felonious assault benefit:	$10,000
Hospital Room & Board:	Usual, reasonable and customary to the selected Medical Maximum
Intensive Care:	Usual, reasonable and customary to the selected Medical Maximum
Outpatient Medical Expense:	Usual, reasonable and customary to the selected Medical Maximum
Terrorism:	Usual, reasonable and customary to the selected Medical Maximum
Waiver of Pre-Existing Conditions:	Up to $20,000 for U.S. citizens traveling outside the United States & Canada (refer to exclusion #1 for details). For foreign nationals visiting the United States, up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. Max. Benefit of $3,000
Benefit Period:	180 days

Wander Frequent Traveler Insurance - Period of coverage

Wander Frequent Traveler is an annual program providing coverage anytime you travel outside of your home country. The length of each trip cannot be longer than 30 days. Should you travel longer than the 30 days, coverage will cease on the 30th day. Coverage is available only while outside of your home country.

Effective Date

Wander Frequent Traveler will begin on the latest of the following: 1) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 2) The date requested on the Application.

Expiration Date

Coverage will end on the earlier of the following: 1) 12 months after the effective date; or 2) The date shown on the ID Card, for which plan cost has been paid; 3) The date you are no longer eligible under this plan; 4) The 30th day of any one trip.

Wander Frequent Traveler Insurance - Description of coverage

Medical

When you incur a covered Injury or Illness, the program will pay Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the chosen Deductible and Coinsurance, up to the selected Medical Maximum. Only such expenses, incurred as the result of an Injury or Illness, which are specifically enumerated in the following list of charges, are incurred within 180 days from the onset of an Injury or Illness, and which are not excluded in the Exclusions, shall be considered as Covered Expenses:

Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service (and with the exception of personal services of a non-medical nature); charges made for an operating room.
Charges made for Intensive Care or Coronary Care charges and nursing services.
Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.
Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians' Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
Ground ambulance (within the metropolitian area) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
Hotel room charge, when the Covered person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room by reason of capacity or distance or any other circumstances beyond control of the Covered person.
Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

Hospital indemnity

If the you are hospitalized while traveling outside of the United States or Canada, and the hospitalization is considered a Covered Expense, the program will indemnify you $150 for each night spent in the hospital, up to a maximum of thirty (30) days.

Dental - Emergency Only

The Emergency Dental Benefit is available, for treatment necessary to resolve acute, spontaneous and unexpected inception of pain to sound natural teeth (Up to $100) or Dental treatment necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under the program (Up to $500). This benefit is subject to the Deductible and Coinsurance.

Emergency Medical Evacuation / Repatriation

The program will pay Covered Expenses incurred if any covered Injury or Illness commences during the Period of Coverage that results in a Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where you are located to the nearest adequate medical facility where medical treatment can be obtained). This benefit must be arranged by the Assistance Company in consultation with the local attending Physician.*

Return of Mortal Remains

The Program will pay the reasonable Covered Expenses incurred up to a maximum of $50,000 to return your remains to your Home Country, if you should die.*

Political Evacuation and Repatriation

If due to political or military events in a host country, a formal recommendation from the appropriate authorities is issued for you to leave the host country, or you are expelled or declared persona non-grata by the host country, all reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to your Home Country is covered up to a maximum of $50,000. Evacuation must occur within ten (10) days of any such event. Coverage will apply to the most appropriate and economical means consistent, under the circumstances, with your health and safety. Evacuation costs will be paid once per insured per occurrence.*

Emergency Medical Reunion

When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will arrange and pay, up to $10,000, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country.*

Return of Minor Child(ren)

If you are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age nineteen (19), is left unattended, the program will arrange and pay up to $50,000 for one-way economy fare to their Home Country (Including the cost of an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child(ren)).*

Interruption of Trip

If you are unable to continue the Trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse you (up to $5,000) for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return you home to your area of principal residence.*

Loss of Checked Luggage

If your checked luggage is permanently lost by the airline, the program will reimburse you for the replacement of clothing and personal hygiene items lost to a maximum per article limit of $50 (maximum benefit up to $250). This benefit is secondary to any other (including airline) coverage available. You must furnish proof to the Company that full reimbursement has been obtained from the airline.

Felonious assault benefit

If you are Injured as a result of a Felonious Assault while traveling outside of your Home Country, the program will pay $10,000. This benefit is in addition to any other benefit available under this program. Refer to the Program summary for full description and conditions.

Coma benefit

If a covered Injury renders you Comatose within ninety (90) days of the date of the accident that caused the Injury, and if the Coma continues for a period of thirty (30) consecutive days, the program will pay a monthly benefit equal to 1% of $50,000. No benefit is provided for the first thirty (30) days of the Coma. The benefit is payable monthly as long as you remain Comatose due to that Injury, but ceases on the earliest of: 1) the date you cease to be Comatose due to that Injury; 2) the date the Insured dies; or; 3) the date the total amount of monthly Coma benefits paid for all Injuries caused by the same accident equals the maximum amount. This benefit is in addition to any other benefit available under this program.

Assistance Services

Upon enrollment into Wander Frequent Traveler Insurance, you are eligible to use any of the assistance services provided by the Assistance Service Provider. Additional information is contained in the Program Summary.

Open 24 hours/day, 365 days a year
Multilingual personnel
Physicians/Nurses on staff
Locate local facilities
Help with emergency situations

Identity theft services

Your health and wellbeing are not the only aspects of concern with international travel. Upon enrollment into WanderSM Frequent Traveler, you have access to identity theft assistance services from the company. Services offered include:

Assist identity theft victim by ordering and reviewing credit bureau records on their behalf
Investigate financial accounts where identity theft is suspected
Interact with law enforcement to pursue prosecution of criminals
Review account activity to identify any suspicious activities
Provide assistance with filing a police report
Review and resolve victim’s issues
Service not available in New York

Hazardous Sport Coverage

To cover motorcycle/motor scooter riding (whether as a passenger or driver), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.
Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.

Wander Frequent Traveler Insurance - Exclusions

For Medical benefits, this Insurance does not cover:

Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the twelve (12) months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the twelve (12) months prior to the Effective Date of coverage under this Policy;

If you are traveling outside the United States and Canada, the period is twelve (12) months instead of thirty-six (36) months.

If you are a United States citizen, this exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $5,000). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.

If you are a non-United States citizen visiting the United States and suffer a Myocardial Infarction or Stroke and are admitted to a Hospital, this exclusion is waived in order to pay a $200 per night benefit for each night spent in the Hospital, up to a maximum benefit of $3,000. The term “Myocardial Infarction” shall mean an acute and emergent onset of any of the conditions and/or diseases described and coded in the International Coding of Diseases version 9 (ICD9), code sequences 410.0 – 410.9 and 414.1 – 419.9. The term “Stroke” shall mean an acute and emergent onset of any of the conditions and/or diseases described and coded in the International Coding of Diseases version 9 (ICD9), code sequence 430-438.9. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
Charges for treatment which exceed Reasonable and Customary charges; or Charges incurred for Surgeries or treatments which are Investigational, Experimental, or for research purposes; expenses which are non-medical in nature; expenses for Vocational, Speech, Recreational or Music Therapy.
Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician.
Suicide or any attempt there at, while sane or self destruction or any attempt there at, while insane; intentionally self-inflicted Injury or Illness; or expenses as a result or in connection with the commission of a felony offense.
Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics.
Routine physicals, innoculations, or other examinations where there are no objective indications or impairment in normal health.
Treatment of the Temporomandibular joint.
Services or supplies performed or provided by a Relative of yours, or anyone who lives with you.
Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids, cosmetic or plastic Surgery (including deviated nasal septum), routine dental expenses, eye care or eye related expenses, unless caused by Accidental bodily Injury incurred while insured hereunder.
Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent; any Mental and Nervous disorders or rest cures; Injury sustained while under the influence of or Disablement due to wholly or partly to the effects of intoxicating liquor or drugs.
Congenital abnormalities and conditions arising out of or resulting therefrom.
Expenses incurred during a hospital emergency room visit which is not of an emergency nature.
Injury sustained while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing and snow boarding.
- Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4500 meters or above.
- Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.
Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to you.
Treatment of venereal or sexually transmitted disease.
Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Accident.
Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth.
Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Medical Evacuation / Repatriation or if treatment is a follow-up to a covered disablement during coverage, see Follow Me Home Coverage).
Expenses incurred for which travel was undertaken to seek medical treatment for a condition; or incurred after the Insured Person’s physician has limited or restricted travel.

Refund Premium

Seven Corners realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of Coverage. If written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement.

Claim Submission

Filing a claim with Seven Corners is easy. In the event of a claim, you may contact Seven Corners or print one at www.sevencorners.com/travelers/resources. When you receive treatment, send the original, itemized bills to Seven Corners within ninety (90) days, along with your signed claim form. Eligible bills are automatically converted from local currencies to U.S. dollars. For payments of eligible medical expenses, notify Seven Corners of pending treatments and we can refer you to approved healthcare providers worldwide. You're only responsible for your deductible, coinsurance and non-eligible expenses. For more details, consult the Program Summary that is provided via e-mail, or contact the Seven Corners Claim Department.